Homes Under $500K in Elgin, TX

269 active homes under $500k in Elgin, TX · The median list price in Elgin is $289,450.

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$259,270

187 Cider Creek DR, Elgin, TX 78621

MLS #243015408 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,501 sqft

Motivated SellerPossibly AssumableNew Construction

$246,999

13417 TRUMPET CREEPER DR, Elgin, TX 78621

MLS #239783631 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

Motivated SellerPossibly Assumable

$299,000

148 Hidalgo LN, Elgin, TX 78621

MLS #242859459 · Comfort Realty LLC · Tiffany Miles

4 bd·2.5 ba·2,399 sqft

Motivated Seller

$254,000

304 S Main ST, Elgin, TX 78621

MLS #236482468 · Coldwell Banker Realty · Sharon Carroll

3 bd·2 ba·1,510 sqft

Motivated SellerNew Construction

$321,990

210 Hornet ST, Elgin, TX 78621

MLS #242254066 · HomesUSA.com · Ben Caballero

4 bd·2.5 ba·2,299 sqft

Quick Move-In

Motivated SellerNew Construction

$337,990

143 Hornet ST, Elgin, TX 78621

MLS #243475146 · HomesUSA.com · Ben Caballero

5 bd·2.5 ba·2,512 sqft

Quick Move-In

$479,900

202 Lazy River LN, Elgin, TX 78621

MLS #227107901 · Lapis Real Estate & Design · Hillery Stephens

4 bd·2 ba·2,232 sqft

Motivated SellerNew Construction

$262,935

444 Lucky Ave, Elgin, TX 78621

MLS #237484035 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,283 sqft

Quick Move-In

Motivated Seller

$245,000

709 W 11TH ST, Elgin, TX 78621

MLS #238987713 · Guillory Real Estate Group · Penny Payne

3 bd·1 ba·1,400 sqft

Motivated SellerNew Construction

$298,450

138 Hornet ST, Elgin, TX 78621

MLS #243755697 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,698 sqft

Quick Move-In

Motivated SellerNew Construction

$322,990

149 Hornet ST, Elgin, TX 78621

MLS #243759074 · HomesUSA.com · Ben Caballero

4 bd·2.5 ba·2,262 sqft

Quick Move-In

Motivated SellerNew Construction

$297,450

103 Two Bits, Elgin, TX 78621

MLS #243762652 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,698 sqft

Quick Move-In

Motivated SellerNew Construction

$259,990

222 Hornet ST, Elgin, TX 78621

MLS #242596608 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,202 sqft

Quick Move-In

Motivated Seller

$384,990

25617 Flora Bella LN, Elgin, TX 78621

MLS #242007146 · DRB Group Realty, LLC · Chaquia Thomas

4 bd·3.5 ba·2,533 sqft

$333,110

128 Honeybee LN, Elgin, TX 78621

MLS #243908293 · New Home Now · Daniel Wilson

4 bd·2.5 ba·2,259 sqft

Motivated Seller

$252,000

205 Cavalry TRL, Elgin, TX 78621

MLS #241666925 · Jeanette Shelby, Realtors · Jeanette Shelby

3 bd·2 ba·1,663 sqft

Motivated Seller

$448,000

900 County Road 474, Elgin, TX 78621

MLS #243992329 · Texas Premier Realty · Nicole Schneider

3 bd·2 ba·2,100 sqft

Motivated Seller

$164,900

18736 Imperial Eagle LN, Elgin, TX 78621

MLS #244001833 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1.5 ba·1,116 sqft

Motivated Seller

$299,900

107 Jim Dandy DR, Elgin, TX 78621

MLS #244124492 · Lori Haring Realty · Detra Klaus

3 bd·2 ba·1,476 sqft

Motivated Seller

$349,000

205 N Avenue E, Elgin, TX 78621

MLS #244182035 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·2,287 sqft

Motivated Seller

$235,000

116 Blue Ridge TRL, Elgin, TX 78621

MLS #241950167 · eXp Realty, LLC · Karen McCutcheon

3 bd·2 ba·1,296 sqft

Motivated Seller

$280,000

1114 W 2nd ST, Elgin, TX 78621

MLS #244230527 · All City Real Estate Ltd. Co · Bryan Lawhorn

3 bd·2 ba·1,824 sqft

Motivated Seller

$354,900

17821 Floribundas, Elgin, TX 78621

MLS #244287900 · Rainey Real Estate · Alexis Graham

6 bd·3.5 ba·4,122 sqft

$310,250

126 Cider Creek DR, Elgin, TX 78621

MLS #244291673 · New Home Now · Daniel Wilson

4 bd·2.5 ba·2,107 sqft

About Homes Under $500K in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 269 homes for sale under $500K in Elgin on the market right now, drawn from live MLS data — so you're seeing what's actually available in your range, not a stale list. How far a $500K budget goes depends on the Elgin market, and the quickest gauge is the median list price shown above: when your ceiling is below the local median you're shopping the lower-priced end of the local market, and when it's near or above the median you're looking at a large share of what's available. Within a $500K budget you'll typically find a mix of property types — houses, condos, and townhomes, and in some areas newer construction — across different sizes, ages, and neighborhoods, so the trade-offs between them are where the real choice lives. You can filter the homes and houses for sale under $500K in Elgin by beds, baths, and features to narrow the list, and open any listing for its full details and price history. Because HomeLocating is an independent home-search platform — not a national portal — you get a neutral, MLS-sourced view of what $500K actually buys in Elgin today.

Buying a Home Under $500K in Elgin

Shopping with a $500K ceiling in Elgin works best when the number is real, so a few things are worth doing before you tour. Start with a lender: getting pre-approved tells you what you can actually borrow and what your monthly payment looks like at $500K, which is often different from a round budget in your head. Remember that the list price isn't the whole cost — property taxes, any HOA or MUD dues, and insurance all factor into what a home under $500K really costs each month, so it's worth looking at the full number. Within a fixed budget, the choice usually comes down to trade-offs: size, location and commute, the age and condition of the home, and new construction versus resale — deciding which of those matter most to you makes comparing homes far easier. And well-priced homes in a given range can move quickly, so knowing your criteria in advance helps you act when the right one appears. None of this is financial advice, and HomeLocating is not a lender — but it's what keeps a budget from being a guess. Through HomeLocating, you can get help finding and buying a home under $500K in Elgin directly through the site. When you're ready, browse the listings above and reach out about any that interest you.

Frequently Asked Questions

How many homes are for sale under $500K in Elgin?

It changes as new listings come on the market and others go under contract. The homes under $500K shown here for Elgin are drawn from live MLS data, so the count reflects what's actually available right now — the current total is shown with the results above.

What kind of homes can I get under $500K in Elgin?

It depends on how $500K compares to the local market — the median list price for Elgin is shown above. Within that budget you'll generally find a mix of houses, condos, and townhomes, and in some areas newer construction, across a range of sizes, ages, and neighborhoods. Filtering by property type and features narrows it to what fits.

How does a $500K budget compare to the Elgin market?

The simplest gauge is the median list price shown above. If $500K is below the Elgin median, you're shopping the lower-priced end of the market; if it's near or above the median, your budget covers a large share of what's listed. The live count shows how many homes currently fall under $500K.

How do I know what I can actually afford?

List price is only part of it — your real budget depends on your financing plus property taxes, insurance, and any HOA or MUD dues. Getting pre-approved with a lender tells you what you can borrow and what the monthly payment would be at $500K, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $500K shown here are drawn from live MLS data, so you're seeing current listings rather than a stale or padded list. As an independent platform, the goal is an accurate, neutral view of the Elgin market.

Can HomeLocating help me buy a home under $500K in Elgin?

Yes. Through HomeLocating, you can get help comparing homes in your budget, understanding the full monthly cost, and handling the offer directly through the site — reach out about any of the listings above.